That's cool, but it's for sites with users who have Stripe accounts to sell things to take payments. What I'm looking for is basically DailyCred (https://www.dailycred.com/) but with paid user plans. It has to be white-label.

If you end up finding a reliable white-label service for this please let me know too!

Check out the WePay API - https://www.wepay.com/developer/platform/authorization

What you described is a bit vague so I'm not sure quite what you need, but it allows you to basically spin up merchant accounts for your customers on the fly in a way that's basically as seamless as legally possible.